If you still own mutual funds or ETFs you'd better watch Frontline's programme called The Retirement Gamble with Martin Smith and Robert Hiltonsmith. I watched it last night from 3:00 a.m. for an hour. My they did a good job.

Those at the very top of this industry will not admit active investing fails.

Dividends were not mentioned once, unfortunately. Dividend growth is my alternative. Learn to do it yourself by reading Stephen Jarislowsky's The Investment Zoo. Start investing for dividends early in life so that by the time you retire you will have an income flow and will not need to depend upon a nest-egg…the bottom line of your statement. then you can ignore market fluctuations.

Keep your fingers crossed and pray…or keep working.

THE LINK ABOVE LETS YOU WATCH THIS PROGRAMME LIVE RIGHT NOW…at least it did on April 24th